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Part D Resources
  Senior Market Resources

What is Part D?

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  Frequently Asked Questions

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Medicare Prescription Drug Plans

Starting in 2011 you may pay an additional premium amount based on your income. See page 134 of "Medicare and You".

Rx Co-Pays and Deductibles Based on the Medicare Benchmark Plan

Feature 2010 2011 2012 2013 2014 2015
Rx Deductible* $310 $310 $320 $325 $310 $320

Initial Coverage Limit

$2,830 $2,840 $2,930 $2,970 $2,850 $2,960

Coverage Gap Ends

$4,550 $4,550 $4,700 $4,750 $4,550 $4,700
Coverage Gap $1,720 $1,710 $1,770 $1,780 $1,700 $1,850
Generic Gap Discount 28%* 35%
Brand Name Gap Discount 52.5%* 55%

*2014 rates

In addition to the plan premium you might also be required to pay an Income Related Monthly Adjustment Amount (IRMA) which is a means tested additional premium depending on your income. If you are paying an additional amount for your Part B coverage then you can also expect to be assessed additional premiums for Part D coverage. For more information see Medicare Premiums: Rules For Higher-Income Beneficiaries and Medicare Costs: Medicare Publication 11579 (updated as needed).

Not sure if you want a broker to explain plan differences and help you enroll. Use this link to see which plans have the lowest cost for your medications. Call for help at your convenience.
Find and Compare Prescription Drug Plans in your area

Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area. The coverage is available to all people eligible for Medicare, regardless of income and resources, health status, or current prescription expenses. Medicare prescription drug coverage provides protection for people who have very high drug costs.

Enroll in a plan without getting an estimate for your total out of pocket expense for the year!!! Call or email us with your list of prescription drugs. We can compare all the plans available to you in just a few minutes.

We need the name, dose and frequency of the medications in order to give you a good estimate of your expenses for the year.

We can also teach you some strategies to help you stay out of the coverage gap.

We take the guesswork out of sorting through the plans to make sure that you get the right plan to lower your total out of pocket expense for the year. We share all of those results with you and help you decide which plan will best meet your needs.

DRUG INFORMATION (How to save money on your prescription medications)

$4 Prescription Drugs
The United States allows companies to maintain patents on prescription medications far longer than any other country. This is just one of the ways that the government creates a regressive tax base that punishes the poor and middle class to maintain a bloated government. Subsidies for programs like the Medicare Prescription Drug program are unfunded and amount to corporate welfare since the laws artificially inflate the cost of medications on one hand and on the other create a program that radically increases the market size of people that are buying those medications. One of the ways to work around this corruption is to know where to shop. $4 prescription drugs are available at most large box stores, Wal-Mart, Safeway, Kroger/Fred Meyer/QFC, Target, K-Mart and others now offer a list of the most commonly prescribed prescription medications for $4 a month and in some cases $10 for a 90 day supply. Mostly this is leveraged off of Wal-Mart's list which you can see  here Wal-Mart Drug List (download). By purchasing medications you can get for about the same price off of your plan you may delay going into the donut hole or not go in at all.

General Drug Information



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